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Hey guys, I'd like to know what your thoughts are on what I'm thinking after doing a little reading and learning.
First, from what I've read I'm a fairly mellow guy when it comes to investing and I will elect to choose a 60/40 Stock bonds mix within a "slice & dice portfolio based on the MPT. I think Im able to sleep with this mix.
Here's what I've come up with.
Stocks
S&P 500 Index.* * * * * *VFINX* 10%
US Large value.* * * * * *VUVLX 10%
US small.* * * * * * * * * * *VISGX 10%
US small value* * * * * * *VISVX* 10%
International Large* * * VTRIX* 10%
International small* * * *FSCOX 10%* (Can't get into VINEX)
Bonds.
Short term.* * * * * * * * * VFSTX* 20%
Short term bond index. VBISX* 20%
If you notice I don't have any real estate in the above, this is because I'm quite heavy with real estate at the moment but as time goes by my plan is to* maybe add a REIT with about 8% and rebalance the remaining stocks to 8% keeping a 60/40 split.
The above portfolio would be in a taxable account, I have about $100k in cap losses I could use to offset any taxable gains i may have from the above.
The overall plan is to invest in the above using the DCA method over the next few years, if my plan goes as planned I should be retired in about 5 to 8 years with a SWR of about 4%.
I'd love to hear from you experts that read my first post, how's my thinking, hows my schooling.
Needless to say, I'm still very early in learning all there is to know about investing but thanks to some of you I think i'm on my way.
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